Top Factors in Classic Car Insurance

classic car insurance nj

In terms of auto coverage, classic car insurance NJ residents depend on is in its own special class. Designed to cover the specific needs of antique and vintage vehicle collectors, these are not standard policies. If you’re a car collector that needs insurance, here is what you need to know about classic car coverage.

Vehicle Usage

One of the biggest factors in qualifying for classic insurance is your vehicle’s usage. Most policies ask that you do not use your classic car as a primary vehicle. Now, this doesn’t mean that you shouldn’t use the vehicle at all. In fact, most policies require that the car be in working order enough that you can drive it whenever. You will have to meet a certain mileage quota.

Vehicle Storage

Most insurance policies want to know where and how you store your vehicle. Depending on the vintage car, your policy may have very strict regulations for how you store your car. Most of the time, storing them outdoors, exposed to the elements is against the rules of the policy.

If you’re in need of a solid classic car insurance NJ residents would recommend, then it’s important to consider the factors that go into deciding your policy. The point of classic car insurance is to protect your collectible asset. Of course, in addition to helping you cover your vehicle, you generally have rules to follow also.

Understanding the Basic Categories of Classic Car Insurance

classic car insurance
classic car insurance

If you have started looking for classic car insurance, you may be surprised to learn that there are companies that specialize in this type of insurance. Some of the best insurance companies for classic cars have been around for years and they continue to offer valuable products and services to their customers. In order to make sure you obtain the right insurance for your vehicle, keep the following basic categories in mind.


Classic Collector


This category typically includes vehicles that are around 15 to 20 years old. This wide-ranging category includes motorcycles, trucks and cars that are in their original state, as well as vehicles that have been altered or improved in any way.




Vehicles that fall under the antique category are those that are at a minimum of 25 years old and that are in their entirely original form. If you own an antique vehicle, be sure that the insurance company you partner with can create a policy that will cater to your vehicle’s unique character.




Another grouping for classic car insuranceis specialty. This category is typically comprised of a broad range of vehicles including exotic cars, street rods and high-performance automobiles. This category can also include unique military vehicles, tractors, old-fashioned fire trucks and more.


By understanding the various categories of classic cars, you will be able to partner with a company that can offer you the right insurance policy.